Thank you for pre-ordering The Recovering Spender Book! Here is your printable packet that’s full of useful resources and tools to help you organize your finances, track your last few months’ spending, think about your financial future, and more. In my book, The Recovering Spender, I talk about a few things that I did to get myself financially organized. So, to help you out, I made these printables to help you get started on your journey as you read through the book.

How to use the different pages in this pack:

HOW TO GET THE MOST OUT OF YOUR Packet

Spend some time and really think about WHY you decided to change your financial situation. Fill in

the blank with the main driving force behind why you desire to change your financial future.

This is a place for you to dream about the things you’d like to do, achieve, or own before you “kick the bucket”. I recommend you and your significant other filling one of these out separately and then review each other’s dreams. This can help you see some variance and similarities in the way you and your spouse view money. - Talk constructively about your spouse’s answers. Are your spending habits today going to make it possible for you to achieve your dreams down the road?

Write down each one of your debts on this page to get a picture of where you are so you can start digging yourself out of debt.

It can be helpful to see how much we are spending on things we need to survive (shelter, groceries, etc) versus things we want (cable, restaurants, smartphones, etc.). Use this list to see how much you are spending on essential needs and non-essential wants. This can help you know where to cut spending if you need to.

This is an organized, designated, and reserved space where all of the money flows into and out of your home. This is a list with some ideas of things you might want in your money flow center. Repurpose old things in your home, or check a thrift store before you look to buy some of these things new.

Here is a list of commonly budgeted and spending categories you can use when making your own budget.

Before you start (or restart) budgeting. Look at your bank and credit card statements for the past few months. For each month, fill out a spending review page so you can start to see where you are spending-heavy, and also to get an idea for how much you are spending in different areas.

After you completed your spending review, use these pages to calculate your 3-month average spending in each category. This will give you a fairly accurate picture for how much to actually budget your first few months.

It is important to prioritize your bills so if money runs tight, you know what bills should be paid first and what ones to wait on. Use the sample page as a guide. In the “Income Remaining” column, subtract that expense from your monthly income total. Then, subtract the next expense amount from your new remaining total. Keep subtracting down the list and see how far you can get.

When you borrow something and don’t give it back, it shows a lack of respect for others’ money. If you are in debt, you have a lack of respect for your own money as well. If you have a spending problem, stop borrowing things for the time being, and begin to think of what you’ve borrowed from others as debt as well. Write down everyone you can think of that you should repay or return something to. Come up with a plan to pay these people back the same you would with your credit cards.

My Why

Financial Bucket List

Debt Calculation

Needs vs Wants

Money Flow Center

Budgeted Items

Spending Review

Preliminary Budget

Bill Priorities

Personal Loans

WhyMY IS:

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change?“Why are you making a Who or what is the first thing you think about when you imagine yourself

BEING FINANCIALLY FREE?”

FINANCIAL Bucket ListRETIREMENT

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FINANCIAL

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FAMILY

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HOUSING

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LIFESTYLE

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EDUCATION

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DEBT CALCULATION Sheet DESCRIPTION AMOUNT

DEBT #1: ______________________________________ $ ______________

DEBT #2: ______________________________________ $ ______________

DEBT #3: ______________________________________ $ ______________

DEBT #4: ______________________________________ $ ______________

DEBT #5: ______________________________________ $ ______________

DEBT #6: ______________________________________ $ ______________

DEBT #7: ______________________________________ $ ______________

DEBT #8: ______________________________________ $ ______________

DEBT #9: ______________________________________ $ ______________

DEBT #10: ______________________________________ $ ______________

DEBT #11: ______________________________________ $ ______________

DEBT #12: ______________________________________ $ ______________

DEBT #13: ______________________________________ $ ______________

DEBT #14: ______________________________________ $ ______________

DEBT #15: ______________________________________ $ ______________

DEBT #16: ______________________________________ $ ______________

DEBT #17: ______________________________________ $ ______________

DEBT #18: ______________________________________ $ ______________

TOTAL $ ______________

NEEDS VS. WANTS

DESCRIPTION COST

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

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____________________ $ _____________

____________________ $ _____________

TOTAL $ _____________

DESCRIPTION COST

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____________________ $ _____________

____________________ $ _____________

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____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

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____________________ $ _____________

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____________________ $ _____________

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____________________ $ _____________

____________________ $ _____________

TOTAL $ _____________

NEEDS WANTS

ITEMS FOR YOUR MONEY FLOW CENTER

q White Envelopes

q Accordion File

q Coupon organizer

q Hanging or table top organizer

q File drawer

q Manila folders

q Folders

q Pens

q Highlighters

q Calendar

q Calculator

q Stamps

MONEY FLOW Center

To help you budget, here is a list of common categories and items to help you during budget night

HOUSEHOLD

Mortgage/Rent

Taxes

Home Owners/Renters

Insurance

Natural Gas

Electricity

Water

HOA Dues

Tools

Home Repairs

AUTOMOBILE

Gas

Maintenance

Registration

GIVING

Charities

Others in Need

Tithe/Church

EDUCATION

Tuition

Books

School Supplies

Field Trip Expenses

School Lunch Money

FOOD

Groceries

Restaurants

Coffee

INSURANCE

Automobile

Life

Disability

Umbrella

Roadside Assistance

DEBTS

Credit Card Minimums

School Loan Payments

Auto Loan Payments

Healthcare Debts

Other

PET CARE

Food

Veterinarian

Supplies/Toys

ENTERTAINMENT

Date Nights

Television

Netflix, Hulu, etc.

Family Activities

Sporting Goods

Magazines

Other

HEATHCARE

Premiums

Medicine

Doctor Visit Copays

Supplements

COMMUNICATION

Cell Phone

Home Phone

Internet

HOBBIES

Toys

Video Games

Subscription Services

Music

School Sports/

Extra Curriculars

SAVINGS

Emergency Fund

Retirement

College Funds

Other Investments

Reserved (for upcoming

expenses)

CHILDCARE

Babysitter

Daycare

Child Support

CLOTHING

For Children

For Adults

GIFTS

Birthdays

Holidays

Anniversary

Wedding

Baby Shower

“EACH DAY MAKE

ONE MORE FINANCIAL

CHOICE YOU ARE

OF.”Proud

SPENDING Review

DESCRIPTION COST

Mortgage/Rent $ _____________

HOA $ _____________

Home Repairs $ _____________

House Cleaner $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

HOUSEHOLD

DESCRIPTION COST

Healthcare Premiums $ _____________

Doctor Visit CoPay $ _____________

Medicine $ _____________

Supplements $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

HEALTHCARE

DESCRIPTION COST

Day Care $ _____________

Babysitter $ _____________

Child Support $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

CHILDCARE

DESCRIPTION COST

Groceries $ _____________

Groceries $ _____________

Groceries $ _____________

Restaurants $ _____________

Restaurants $ _____________

Restaurants $ _____________

Coffee $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

FOOD

SPENDING Review

DESCRIPTION COST

Gasoline $ _____________

Gasoline $ _____________

Gasoline $ _____________

Car Repairs $ _____________

Oil Change $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

AUTOMOTIVE

DESCRIPTION COST

Retirement Fund $ _____________

College Fund $ _____________

Emergency Fund $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

SAVINGS

DESCRIPTION COST

Date Night $ _____________

Movies $ _____________

Netflix, Hulu, etc. $ _____________

Magazine Sub.. $ _____________

Video Games. $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

ENTERTAINMENT

DESCRIPTION COST

Tuition $ _____________

Music Lessons $ _____________

Sports $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

EDUCATION

DESCRIPTION COST

Tithe $ _____________

Charity $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

GIVING

SPENDING Review

DESCRIPTION COST

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

MISCELLANEOUS

DESCRIPTION COST

Water $ _____________

Electricity $ _____________

Gas $ _____________

___________________ $ _____________

___________________ $ _____________

UTILITIES

DESCRIPTION COST

Life Insurance $ _____________

Disability Insurance $ _____________

Other Insurance $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

___________________ $ _____________

TOTAL $ _____________

INSURANCE

DESCRIPTION COST

Monthly Plan $ _____________

Phone Payment $ _____________

TOTAL $ _____________

CELL PHONE

SPENDING Review

DESCRIPTION COST

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

TOTAL $ _____________

DESCRIPTION COST

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

____________________ $ _____________

TOTAL $ _____________

DEBTS OTHER

SPENDING Review Summary

DESCRIPTION COST

Household $ _____________

Healthcare $ _____________

Childcare $ _____________

Food $ _____________

Miscellaneous $ _____________

Utilities $ _____________

Insurance $ _____________

Automotive $ _____________

Entertainment $ _____________

Savings $ _____________

Giving $ _____________

Education $ _____________

Debts $ _____________

Other $ _____________

TOTAL $ _____________

PRELIMINARY Budget

DESCRIPTION Month 1 Month 2 Month 3 Average

Household ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Healthcare ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Childcare ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Food ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Miscellaneous ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Utilities ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Insurance ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Automotive ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Entertainment ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Savings ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Giving ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Education ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Debts ($ _________ + $ __________ + $ _________ ) /3 = $ _________

Other ($ _________ + $ __________ + $ _________ ) /3 = $ _________

TOTAL $ _________

BILL Priorities

SAMPLE

MONTHLY INCOME: ____________$5,000

EXPENSE NAME AMOUNT DUE INCOME REMAINING

PRIORITY #1: __________________ $ ____________ $ __________________

PRIORITY #2: __________________ $ ____________ $ __________________

PRIORITY #3: __________________ $ ____________ $ __________________

PRIORITY #4: __________________ $ ____________ $ __________________

PRIORITY #5: __________________ $ ____________ $ __________________

PRIORITY #6: __________________ $ ____________ $ __________________

PRIORITY #7: __________________ $ ____________ $ __________________

PRIORITY #8: __________________ $ ____________ $ __________________

PRIORITY #9: __________________ $ ____________ $ __________________

PRIORITY #10: __________________ $ ____________ $ __________________

PRIORITY #11: __________________ $ ____________ $ __________________

PRIORITY #12: __________________ $ ____________ $ __________________

PRIORITY #13: __________________ $ ____________ $ __________________

PRIORITY #14: __________________ $ ____________ $ __________________

PRIORITY #15: __________________ $ ____________ $ __________________

PRIORITY #16: __________________ $ ____________ $ __________________

Giving 500 5,000-500=$4,500

Groceries/Essentials 800 3,700

Mortgage/Rent 1,200 2,500

Utilities 200 2,300

Child Support 250 2,050

Student Loan Debt 600 1,450

Transportation 800 650

Taxes/IRS Debt 0 650

Insurances 150 500

Credit Card Payment 250 250

Internet 45 205

Cell Phones 90 115

Savings 115 0

Clothing

Miscellaneous

Fun Stuff

Using our suggestions as a rough guide, fill out your own Bill Priority list on the next page and see how far down the list your income will get. We arrived at our suggestions based on need, necessity, and responsibility.

BILL Priorities MONTHLY INCOME: ____________

EXPENSE NAME AMOUNT DUE INCOME REMAINING

PRIORITY #1: __________________ $ ____________ $ __________________

PRIORITY #2: __________________ $ ____________ $ __________________

PRIORITY #3: __________________ $ ____________ $ __________________

PRIORITY #4: __________________ $ ____________ $ __________________

PRIORITY #5: __________________ $ ____________ $ __________________

PRIORITY #6: __________________ $ ____________ $ __________________

PRIORITY #7: __________________ $ ____________ $ __________________

PRIORITY #8: __________________ $ ____________ $ __________________

PRIORITY #9: __________________ $ ____________ $ __________________

PRIORITY #10: __________________ $ ____________ $ __________________

PRIORITY #11: __________________ $ ____________ $ __________________

PRIORITY #12: __________________ $ ____________ $ __________________

PRIORITY #13: __________________ $ ____________ $ __________________

PRIORITY #14: __________________ $ ____________ $ __________________

PRIORITY #15: __________________ $ ____________ $ __________________

PRIORITY #16: __________________ $ ____________ $ __________________

PERSONAL Loans PERSON OWED AMOUNT DUE MONTHLY PAYMENT PAYOFF DATE

DEBT #1: ______________ $ _____________ $ _____________ _____________

DEBT #2: ______________ $ _____________ $ _____________ _____________

DEBT #3: ______________ $ _____________ $ _____________ _____________

DEBT #4: ______________ $ _____________ $ _____________ _____________

DEBT #5: ______________ $ _____________ $ _____________ _____________

DEBT #6: ______________ $ _____________ $ _____________ _____________

DEBT #7: ______________ $ _____________ $ _____________ _____________

DEBT #8: ______________ $ _____________ $ _____________ _____________

DEBT #9: ______________ $ _____________ $ _____________ _____________

DEBT #10: ______________ $ _____________ $ _____________ _____________

DEBT #11: ______________ $ _____________ $ _____________ _____________

DEBT #12: ______________ $ _____________ $ _____________ _____________

DEBT #13: ______________ $ _____________ $ _____________ _____________